This is a ridiculous arguement to make - Credit card fees transfer wealth to rich, study finds
1) If the credit card companies charge merchants a fee to accept the credit cards, merchants do it willingly because they get an increase business, they may choose to slightly raise their prices but they may decide to lower their prices in order to remain competitive. The arguement that this costs the poor is spurious.
2) If it does cost the poor because they pay in cash more often than the wealthier then it is in their interests to get retail credit cards and built up a credit history. Everyone does this at some point in their lives, I find it hard to believe that "the poor" can't.
3) The impact on the households is trivial in all real senses and the economic pitfalls of owning a credit card for a household with only $20,000 annual income is far greater than the savings of $23 they would gain.
This article is a thinly disguised arguement for wealth redistribution at the expense of basic economic realities.